You can compare policies and premiums on sites such as Squaremouth.com and InsureMyTrip.com, which provide links to full policy documents from dozens of carriers and numbers to call licensed agents who can answer questions.Examine policies closely and ask the agent to point out the words are that prove coverage. Be sure to inquire about exclusions for pre-existing conditions and injuries that are due to high-risk activities such as mountain climbing; preauthorization requirements for hospital admission or other services; and requirements for a second opinion.